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If you turn 62 in April and you want to start drawing your…

If you turn 62...

If you turn 62 in April and you want to start drawing your social security and you understand that you can only work very little $17,640.00 per year and you are getting to where you can't do your job that is required of you and really need to file for social security disability but can't do without some sort of income what do you do

Accountant's Assistant: Are there other sources of income (wages, interest, dividends, etc.)?

No maam

Accountant's Assistant: Anything else you want the Retirement Accountant to know before I connect you?

My wife is still working but fixing to retire in another couple of month and we will not be able to make ends meet with her little bit of retirement and s/s

Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986

Verified

Hi. My name’s Lane

I hold a law degree (Juris Doctorate), an MBA in finance, a BBA, and CFP and CRPS designations as well.

I’ve been providing tax law, corporate law, estate tax, and Social Security/Medicare advice to clients on three continents, since 1986.

I’m reading your question now … Bear with me a moment while I type up my response. If you have questions after that, we can go from there.

…

By the way … (If the site makes one of those automated phone call offers, that DID NOT COME FROM ME. It’s an automatic offer that the site throws up there, I’d be glad to discuss this over the phone but the site charges more for that. Just click the X in the top, right of the white box unless you’d like a call.)

I'm so sorry, but all you can do apply for the early retirement at 62 OR apply for SSDI.

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In some cases, however, you can apply for SSDI and simultaneously take an early retirement, once you're 62. While this works out well for those who are eventually approved for Social Security disability benefits, it can have long term negative effects on your income if you are not ultimately approved for disability benefits.

...

Here’s how it works: You need to apply for Social Security disability benefits first. This establishes your protected filing date and an alleged date of onset for your disabling condition. As with anyone else who applies for Social Security disability benefits, you must have a disabling condition which has lasted or is expected to last a year or longer (or to result in your death).

...

After you have applied for Social Security disability benefits, you apply for early retirement. The SSA will accept your application for early retirement as long as you have sufficient credits to retire. When your application is processed, you will begin receiving Social Security retirement benefits at a reduced rate. Opting for early retirement costs you 25% of your full retirement benefit amount. For instance, if your full retirement amount would be $1,000, your reduced retirement benefit is $750.

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If your disability claim is eventually approved, you will be entitled to start receiving your full retirement amount immediately (albeit in the form of Social Security disability benefits). You will also be entitled to back pay for the entire time you were eligible for Social Security disability benefits.

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This means you would be paid your full retirement/disability amount for any months during which you didn’t receive retirement payments and the other 25% of your retirement amount for the months in which you received a reduced payment. Additionally, your retirement benefits would be adjusted so that you would receive full retirement benefits when you reach full retirement age.

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Before making the decision to apply simultaneously for early retirement and Social Security disability benefits, however, you should consider the effects it could have on your retirement benefits. If, for example, you are ultimately denied Social Security Disability benefits, your retirement benefits would be kept at the reduced rate permanently. Before making any decisions, consider consulting an experienced Social Security disability lawyer to make sure that you have a solid case for Social Security disability benefits.

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These folks are paid BY Social Security, so there's no harm in meeting with someone in your area.

Ask Your Own Social Security Question

Customer reply replied 7 months ago

I realize that i am taking a loss by drawing my s/s at age 62, but like i said i am going to have to continue doing something to a certain extent just to keep my insurance until i can collect medicare @ 65 . I have enough credits right now for everything but I am just not able to continue like I have for all these years.

I understand. ... just wanted to make you aware that the disability (IF SUCCESSFUL) can be a way to have that early retirement re-set to a normal retirement if you do it in the order I mentioned above

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The worst case scenario is that you don't get the SSDI approval and the smaller early retirement amount stays fixed (will go up with the across the board cost of living increases when they come)

Ask Your Own Social Security Question

Customer reply replied 7 months ago

when applying for SSDI do i give all of my medical information when i apply and s/s checks all of the info out by contacting all of the medical facilities or do I have to do that?lLane,are you still there?

You can start the disability application on line ... but then will need to start sending in the required documentation.

...

If you can have your own doctor complete the RFC form that will be required, that can help (many times they will usetheir own Medical provides if you don't get out ahead of that one)

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Social Security disability and SSI disability claims are won and lost on the basis of a claimant's medical records. The SSA should have your doctor's treatment notes, lab reports, x-rays, any imaging studies (for example, MRIs), and, most importantly, statements from your doctor. If your doctor is willing to provide a statement in support of your Social Security disability claim, get one written.

Social Security disability examiners and judges who hear disability claims are not interested in short statements from personal physicians. The doctor must state why a claimant is unable to work. How can a treating physician do this? Typically, the Social Security Administration is looking for a doctor's evaluation of how well an SSD or SSI disability claimant can:

sit

stand

bend

walk

balance

crouch

stoop

perform dexterous hand movements

reach overhead

lift a certain amount of weight, and

perform tasks that are classified as simple, routine, and repetitive.

A doctor should also provide information regarding a patient's:

general strength levels (typically measured on a 5-point scale)

grip strength in either hand,

range of motion in all major joints, and

reflexes.

Unfortunately, many doctors will balk at having to write this type of detailed statement, even though this is exactly what the Social Security Administration is looking for. Nevertheless, claimants who are seriously interested in winning their disability claims should strive to obtain this type of statement from their doctor.

The Social Security Administration uses one type of RFC form (but unfortunately their form is typically used to deny claimants benefits.) To obtain an RFC form that may assist you in winning your claim, use the one I'm going to attach next.

I am printing this form now. I appreciate your help with this matter. Just to let you know I contacted one of my doctors the other day on this and was told that s/s would request the info they needed, thank you for clarifying this matter for me.When I apply for SSDi , do I give them all of my medical info at that time or wait until they ask me for it?

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Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.